Who we fund
Medical Practice Loans for Physicians Buying, Starting, or Growing a Practice
Yes, physician practices can get funding, and lenders often see licensed physicians as relatively strong borrowers. Typical uses include buying into or acquiring a practice, equipping exam rooms, and covering the gap while insurance claims are paid.
Get matched: medical practices
The reality
Cash-flow challenges we hear every day.
Insurance claims and denials
Payments from commercial insurers, Medicare, and Medicaid can take weeks, and denied claims need rework. Collections lag behind the work done.
Buying into a partnership or acquiring a practice
Joining as a partner or taking over a retiring physician's practice requires a significant buy-in, often including goodwill.
Equipment for in-office procedures
Ultrasound, EKG, lab analyzers, and procedure equipment let practices offer more services but require a large upfront purchase.
Rising staffing and compliance costs
Medical assistants, nurses, billers, and compliance requirements are major ongoing expenses that grow faster than reimbursement rates.
Best-fit funding
Funding that fits medical practices.
SBA loans are commonly used for practice acquisitions, partner buy-ins, and new locations because longer terms keep payments manageable.
$50K–$5M‡30–90 days*Diagnostic and procedure equipment can be financed with the equipment as collateral, so new services can start paying for themselves.
$10K–$5M‡2–5 days*A line of credit covers payroll and supplies while claims are processed and is repaid as reimbursements arrive.
$10K–$500K‡1–3 days*Buying a medical office building or condo lets the practice build equity instead of paying rent.
$250K–$10M+‡30–60 days*What lenders look for
Typical profile for medical practices.
Lenders usually look at the physician's license, specialty, experience, personal credit, and the practice's collections and payer mix. For acquisitions, the target practice's financials and patient base are reviewed closely.
Common uses of funds
- Buying into a group practice as a partner
- Acquiring a retiring physician's practice
- Buying ultrasound, EKG, or lab equipment
- Opening a satellite office
- Covering payroll during insurance payment delays
- Purchasing a medical office condo or building
Can a physician get a loan right after residency?
Some lenders work with physicians early in their careers, focusing on licensing and earning potential. Options broaden once you have practice ownership history.
How do I finance a partner buy-in?
Partner buy-ins are often funded with term loans or SBA loans. Lenders will review the practice's financials and the terms of the partnership agreement.
Can I finance a medical practice startup?
Yes, startup financing exists for physicians, often through SBA loans or specialized healthcare lenders. Expect to provide a business plan and projections.
What documents do medical practice lenders ask for?
Commonly tax returns, bank statements, an AR aging report, licenses, and sometimes payer contracts and production reports.
Funding for medical practices, matched in minutes.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor